Central State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 11.49 percentage points in Q2 2026, from 253.63% to 242.14%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Central State Bank is 46th of 225 on loan-to-deposit ratio, 95.22% as of Q2 2026. Central State Bank reported 95.22% on loan-to-deposit ratio for Q2 2026, 14.67 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $328.0M |
| Net loans and leases | $323.6M |
| Loans held for sale | $0 |
| Loans to total assets | 78.21% |
| Loan-to-deposit ratio | 95.22% |
| Net loans to equity capital | 7.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.91% |
| Multifamily (5+ residential) | 11.17% |
| Commercial and industrial | 13.13% |
| Consumer | 0.55% |
| Credit cards | 0.00% |
| Farm | 13.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 242.14% |
| Construction concentration (Tier 1 capital + allowance) | 36.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.53% |
| Interest income on loans | $4.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $384.8M | $359.8M | 29.65% | 12.08% | 1.29% |
| Q4 2023 | $382.1M | $370.4M | 29.98% | 11.55% | 1.22% |
| Q1 2024 | $383.9M | $372.9M | 30.23% | 11.47% | 1.08% |
| Q2 2024 | $382.5M | $368.2M | 30.55% | 10.86% | 0.96% |
| Q3 2024 | $380.3M | $381.3M | 30.82% | 10.95% | 0.87% |
| Q4 2024 | $368.7M | $377.5M | 32.73% | 11.04% | 0.79% |
| Q1 2025 | $366.7M | $386.7M | 31.72% | 10.89% | 0.90% |
| Q2 2025 | $364.8M | $368.0M | 32.71% | 10.39% | 0.77% |
| Q3 2025 | $356.6M | $354.4M | 31.46% | 10.58% | 0.72% |
| Q4 2025 | $355.0M | $344.3M | 31.53% | 10.70% | 0.67% |
| Q1 2026 | $335.9M | $359.2M | 28.79% | 12.06% | 0.61% |
| Q2 2026 | $328.0M | $344.4M | 29.91% | 13.13% | 0.55% |
Central State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1550) · FFIEC NIC profile (RSSD 678744)